December 3, 2014

December 3, 2014 Volume XII Issue 23

PRSRT STD

Postal Customer

$10.00 s!

Classified

FREE-E! TAKE ON

I N SID E: 

800-756-1817 w w w . T r i c i a s T r a d e r . c o m

CASA in Serious Need of Volunteers (p. 19)



1st Bull Sale Calendar of the Season

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Market Reports, Bill’s Food Corner, Holiday Calendar, Laugh Lines...keep reading!

Over 8,500 copies distributed all across NorthCentral Montana!

The Tricia’s Trader team has this wish for you: “May your holidays be Merry & Bright!”

December 3, 2014..................................................................Volume XII Issue 23.............................................................................. Tricia’s Trader 2

Guns - Chain Saws - Jewelry - Movies & more. Start your Christmas shopping at R-New Trading Post! 624 First St. W., Havre, MT. Mon-Sat, 9am6:30pm. (406) 265-5057. 11-II

CPR Saves Lives! Certified Am. Heart Assoc. CPR/First Aid Instructor will do classes for anyone needing certification, including bus drivers, day care providers, etc. Call 3792520. x

Montana Brand For Sale with like new iron. U hanging 4: LT - horse LR - cattle. $5,000 firm. Call (406) 535-9302 and leave a message. 12-I

For Sale: 2004 Pontiac Grand Am SE, 4 dr, excellent gas mileage, aluminum alloy wheels, dusk sensing headlights. $4,999.

Call (406)357-2311.

12-I

For Sale: 500 Tons of 50% Brome Grass & 50% Timothy Grass mix in round bales.

Very beautiful hay! Trucking avail. Thompson Cattle Co. (406) 670-6551. 8-II:11-I

For Sale: 1984 Bayliner - runs good, good shape $3,500. 1989 Springer Softtail HD - custom paint, low miles, runs great.

1990 Chevy Blazer - custom paint, wheels & tires, lots of new parts, great condition. Call 2624814/945-4961/395-5989 11-II Christmas Trail: Travel the Annual Christmas Trail to Loma, Dec. 6-7, 10am-4pm.

Stop & browse Loma history in the One-Room School House, the Old Chappel Depot & warm up in the Little Shop all filled w/treasures of yesterday and today. Hwy 87 & 4th Ave. 11-II

December 3, 2014..................................................................Volume XII Issue 23.............................................................................. Tricia’s Trader 3

CONTENTS:

Classifieds, Classifieds!

Advertising Info............... 16 Bill’s Food Corner............. 9 Bull Sale Calendar.......... 14 Comic............................. 17 Conservative Cow Dr...... 25 Dave Says...................... 23 Laugh Lines.................... 17 Market Report................... 9 Money Talks...................... 7 Realty Section.................. 8 Rodeo Roundup..............11 Senior Cit. Menus........... 27 Subscriptions.................. 16 “Things to Know”.............. 4

Tell them you read it in “Tricia’s Trader”!

See pg 16 for deadlines, rates & to place an ad!

For Sale: Two steel buildings, 40x50 and 60x80. Leave Searching for something? name and phone number. Find it in the search window (406)222-5535.

12-I::4-II at www.TriciasTrader.com. x

Paid Classified Rates: Classified, $10 up to 8 lines $1 per line each add’l 13 lines maximum. $5 bold, $5 boxed Runs two issues.

Ask about FREE Classifieds!

Items For Sale: Internat'l Mod. M tractor, w/D9 frnt axle, F10 Loader, 12 ft. hay sweep, grapple fork, sq. bale fork; 4 horse pony harness w/ collars&spreaders; 1 studded parade harness; D6 Cat. Call a.m. 406-738-4404. 11-II

FBR

Fort Benton Realty

Office/Business Building-Fort Benton For Sale: 1999 Newmar Mountaineer Motor Home.

37.5 ft. Large slide-out. Rear queen bed. Washer/dryer. Flat screen TV. Wood flooring.

New awning.

Excellent shape! Low miles. $28,000 OBO. 406-265-8067.

11-II For Sale: 2009 Dodge Ram 1500 Big Horn Edition w/5.7L Hemi Motor. Fully loaded.

Great condition. 83k mi., black w/chrome nerf bars & chrome grill guard, headbolt heater & autostart. Asking $20,000.

Q? Call 673-3054. 11-II

1344 total ft, spacious entry way, 5 offices, drive-thru window, security system, paved parking, landscaped and separate garage/ storage building, all on one-third acre, good visibly access, numerous business or office possibilities! 1510 St Charles Street, Fort Benton$282,000Call Pade:899-9378 Q’sMotel and Home- Big Sandy Eight room motel with laundry/utility room. Each room has a queen and double bed ,TV, WIFI ,Dish-T.V, and re-shingled roof. Home built in 1982, 5 bedroom , 3 bathroom, finished basement, outside deck, large double garage and a fenced in patio. Entire property is landscaped and has easy access and onto U.S. Hwy 87. Steady occupancy- great during the hunting season! Nice income and ROI. Call Shane Ophus(406)3782675 $325,000 www.fbrealty.com 1426 Front Street, Fort Benton, MT (800)406-0946

December 3, 2014..................................................................Volume XII Issue 23..............................................................................Tricia’s Trader 4

THINGS TO KNOW: Nov. 17, Mon.: COMMUNITY HEALTH FORUM. 11 a.m.-noon, HRDC, 229 5th, Havre, Discussion of issues impacting community health and wellbeing. RSVP at www.acscan.org/mtforum. Ques? Call 265-5481x266.

Thurs. nights.: COMMUNITY FLU SHOT CLINIC, 8am-5pm, Methodist Church, Chester, Questions? Call 759-5194 .

First and Third Mon. of the Month.: HAVRE CHRISTIAN SCHOOLMeadowlark Estates, 4113 9th St. W., Havre 6:30pm-8:00pm. More info call Barbara Fell, 390-8045. Open to all denominations.

Help Wanted: Sweet Medical Center, Harlem Office, Housekeeper (4-8 hours/ week).

Wage negotiable.

Supplies and Equip. Provided.

Contact Meghan Morris at 406-357-2297. Applications at sweetmedicalcenter.org 11-II

See the Holiday Events Calendar on page 14 for more Things To Know for December 2014!

Help Wanted: Sweet Medical Center – Chinook.

Administrative Assistant/Ins. Enrollment Specialist (20-28 hours/week). Wage negotiable.

Contact Meghan Morris at 406-357-2297. Applications at sweetmedicalcenter.org 11-II

Let us know what’s happening in your area. It’s free and it gets read!

Call 379-2377 or email kimmelkreations@yahoo.com.

BUY-SELL-TRADE Vintage Collectibles: Kokomo Joe's Trading Post, Chester Montana.

JUST IN: The Tao of Teas. Stop by for a tea tasting!!! 406-759-6472. 11-II

Grabofsky Aviation: Aircraft maintenance, annual inspections, aircraft rebuilds.

Call (406) 697-8470. 11-I:1-I

PLLC

For Sale: One 6-wheel ATV, like new cond., low hrs, operates on land, water or snow, with tracks in like new conditions. Seats four. Also, 1985 Ford LTD Crown Vic, 120k mi., luxury transp. or easy restorer. Call 406-873-4780 or 450-4760 (cell), Cut Bank. 12-I

December 3, 2014..................................................................Volume XII Issue 23.............................................................................. Tricia’s Trader 5

Bill’s Food

Corner

Dig right in to our newest regular guest column! Bill Hake invites you to test his recipes and his theories and tell us what you think. And he takes “requests”!



AN IMPORTANT READ

This article published in The Wall Street Journal on October 29, 2014 is too important not to share. I would hope that everyone would read it in its entirety. ~Bill LOW FAT DIETS

The top scientist guiding the U.S. government’s nutrition recommendations made an admission last month that would surprise most Americans. Low-fat diets, Alice Lichtenstein said, are “probably not a good idea.” It was a rare public acknowledgment conceding the failure of the basic principle behind 35 years of official American nutrition advice.

Yet the experts now designing the next set of dietary recommendations remain mired in the same anti-fat bias and soft science that brought us the low-fat diet in the first place. This is causing them to ignore a large body of rigorous scientific evidence that represents our best hope in fighting the epidemics of obesity, diabetes and heart disease.

The Dietary Guidelines for Americans—jointly published by the U.S. Department of Agriculture (USDA) and the Department of Health and Human Services (HHS) every five years—have had a profound influence on the foods Americans produce and consume. Since 1980, they have urged us to cut back on fat, especially the saturated kind found mainly in animal foods such as red meat, butter and cheese. Instead, Americans were told that 60% of their calories should come from carbohydrate-rich foods like pasta, bread, fruit and potatoes. And on the whole, we have dutifully complied.

By the turn of the millennium, however, clinical trials funded by the National Institutes of Health (NIH) were showing that a low-fat regime neither improved our health nor slimmed our waistlines. Consequently, in 2000 the Dietary Guidelines committee started to tiptoe away from the low-fat diet, and by 2010 its members had backed off any mention of limits on total fat.

Yet most Americans are still actively trying to avoid fat, according to a recent Gallup poll. They are not aware of the USDA’s crucial about-face because the agency hasn’t publicized the changes. Perhaps it did not want to be held responsible for the consequences of a quarter-century of misguided advice, especially since many experts now believe the increase in carbohydrates that authorities recommended has contributed to our obesity and diabetes epidemics.

Such a humbling reversal should have led the expert committee preparing the 2015 Dietary Guidelines, which holds its next-tolast public meeting Nov. 6-7, to fundamentally rethink the anti-fat dogma. But instead it has focused its anti-fat ire exclusively on saturated fats. Recent guidelines have steadily ratcheted down the allowable amount of these fats in the diet to 7% of calories “or less,” which is the lowest level the government has ever advised—and one that has rarely, if ever, been documented in healthy human populations.

The most current and rigorous science on saturated fat is moving in the opposite direction from the USDA committee. A landmark meta-analysis of all the available evidence, conducted this year by scientists at Cambridge and Harvard, among others, and published in the Annals of Internal Medicine, concluded that saturated fats could not, after all, be said to cause heart disease.

While saturated fats moderately raise “bad” LDL-cholesterol, this does not apparently lead to adverse health outcomes such as heart attacks and death. Another meta-analysis, published in the respected American Journal of Clinical Nutrition in 2010, came to the same conclusion. The USDA committee has ignored these findings.

No doubt, accepting them would be another embarrassing reversal for nutrition experts. The USDA, the NIH and the American Heart Association have spent billions trying to prove and promote the idea that saturated fats cause heart disease.

In place of saturated fats, these agencies have counseled Americans to consume ever-larger quantities of unsaturated fats, which are found mainly in soybean and other vegetable oils. Yet a diet high in these oils has been found in clinical trials to lead to worrisome health effects, including higher rates of cancer. And the USDA, which espouses a commitment to finding healthy “dietary patterns” based in history, is now in the paradoxical position of telling Americans to derive most of their fats from these highly processed vegetable oils with virtually no record of consumption in the human diet before 1900.

The most hopeful path lies in a different direction: An enormous trove of research over the past decade has shown that a low-carbohydrate regime consistently outperforms any other diet in improving health. Diabetics, for instance, can most effectively stabilize their blood glucose on a low-carb diet; heart-disease victims are able to raise their “good” HDL cholesterol while lowering their triglycerides. And at least two-dozen well-controlled diet trials, involving thousands of subjects, have shown that limiting carbohydrates leads to greater weight loss than does cutting fat.

The USDA committee’s mandate is to “review the scientific and medical knowledge current at the time.” But despite nine full days of meetings this year, it has yet to meaningfully reckon with any of these studies—which arguably constitute the most promising body of scientific literature on diet and disease in 50 years. Instead, the committee is focusing on new reasons to condemn red meat, such as how its production damages the environment. However, this is a separate scientific question that is outside the USDA’s mandate on health.

Rates of obesity in the U.S. started climbing dramatically right around 1980, the very year in which the Dietary Guidelines were first introduced. More than three decades later, more of the same advice can only be expected to produce similarly dismal health outcomes. And the cost, in human and dollar terms, will continue to be catastrophic.

These are compelling reasons for Congress to ask the USDA and HHS to reconstitute the Dietary Guidelines committee so that its members represent the full range of expert opinion. The committee should then be mandated to fundamentally reassess the Guidelines’ basic assumptions, based on the best and most current science. These measures would give millions of Americans a fighting chance in their battle against obesity, diabetes and heart disease—and at last start to reverse the ill effects of our misguided Dietary Guidelines.

Ms. Teicholz is the author of “The Big Fat Surprise: Why Butter, Meat, and Cheese Belong in a Healthy Diet” (Simon & Schuster, 2014).

It's All Gotta Go: Too Much Stuff at the Trash & Treasure Shop in Loma. Hwy 87 & 4th Ave. Tables and shelves are full of $1 or less items. Many half priced items. Stop and shop.

Afternoons only 1pm-5pm or by appt. 406-739-4361. 10-I:11-II Hay Hauling: $5/mile square bales, $6/mile round bales. Doubles hauling 44 round bales or 57 3x4 squares/load. MT and WY. Call 406-670-6551.

12-I Gifts and More: Many distinctive gifts available at Promises in Malta. Real flame fire places, soda makers and much more. Come in and check out all your options. 578 Living Water Court, Malta. 6542380. Open 7am-6pm. 11-II

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For Sale: Two newly constructed 3 bdrm, 2 bath homes! One level living with an attached 2 car garage vaulted ceilings, oversized walk-in shower and open floor plan.

Call us to tour these homes!

Each asking $173,000 (128MR & 129MR) 406-654-2273 MissouriRiverRealty.com 12-I Need Boots? Hondo, Ariat and Anderson Bean Boots -- See the great selection at Norman's Ranchwear, 114 3rd Ave., Havre, MT! (406) 265-4523.

Find us on Facebook. 11-II

Home For Sale: 134 9th St. E., Chinook, MT. $89,000.

3 bed/2 bath. 1,022 sq ft.

Call Bear Paw Montana Realty (406) 357-2111. 12-I

Holidays in Malta: Much is happening in Malta over the Holiday Season! Stores open on Sundays 11am-3pm starting Nov.28th 'til Christmas.

Many late night openings for Christmas shopping.

Watch for complete sched. in Malta Chamber ad. 11-II

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For Rent: Ind. Living 62+ &/Disabled, Subsdizd Rent 30%/income, Livg Rm, full kit., bedrm, bathrm w/tub or shower & safety bars. 465 sq. ft., Pub. Transit, 5 mls/ wk avail. $25, Equal Housing Opp.&Handicapd.

Sweet Grass Lodge: S. Peck, Mngr.

Chester, Mt. 759-5400, MTRS Relay – Dial 711. 11-II:1-II Need to Insulate? Contact Darrell Carney for your foam insulation jobs, certified applicator.

6547017 or 390-4156 12-I

Money Talks

Complements of Greg Dugdale Raymond James Financial Services, Inc. Havre, Montana

FIVE QUESTIONS ABOUT LONG-TERM CARE 1. What is long-term care?

4. Can’t I pay for care out of pocket?

Long-term care refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. There are three levels of long-term care: • Skilled care: Generally round-the-clock care that’s given by professional health care providers such as nurses, therapists, or aides under a doctor’s supervision.

• Intermediate care: Also provided by professional health care providers but on a less frequent basis than skilled care.

• Custodial care: Personal care that’s often given by family caregivers, nurses’ aides, or home health workers who provide assistance with what are called “activities of daily living” such as bathing, eating, and dressing.

Long-term care is not just provided in nursing homes--in fact, the most common type of long-term care is home-based care. Long-term care services may also be provided in a variety of other settings, such as assisted living facilities and adult day care centers.

The major advantage to using income, savings, investments, and assets (such as your home) to pay for long-term care is that you have the most control over where and how you receive care. But because the cost of long-term care is high, you may have trouble affording extended care if you need it.

2. Why is it important to plan for long-term care?

The cost of a long-term care policy depends primarily on your age (in general, the younger you are when you purchase a policy, the lower your premium will be), but it also depends on the benefits you choose.

If you decide to purchase long-term care insurance, here are some of the key features to consider:

No one expects to need long-term care, but it’s important to plan for it nonetheless. Here are two important reasons why: The odds of needing long-term care are high: • Approximately 40% of people will need long-term care at some point during their lifetimes after reaching age 65* • Approximately 14% of people age 71 and older have Alzheimer’s disease, a disorder that often leads to the need for nursing home care** • Younger people may need long-term care too, as a result of a disabling accident or illness The cost of long-term care is rising: Currently, the average annual cost of a 1-year nursing home stay is $74,820* and in many states the cost is much higher. In the future, long-term care is likely to be even more expensive. If costs rise at just 3% a year (a conservative estimate), in 20 years, a 1-year nursing home stay will cost approximately $135,133. *National Clearinghouse for Long-Term Care Information, U.S. Department of Health and Human Services, 2011 **Alzheimer’s Association, 2012 3. Doesn’t Medicare pay for long-term care?

Many people mistakenly believe that Medicare, the federal health insurance program for older Americans, will pay for long-term care.

But Medicare provides only limited coverage for long-term care services such as skilled nursing care or physical therapy. And although Medicare provides some home health care benefits, it doesn’t cover custodial care, the type of care older individuals most often need.

Medicaid, which is often confused with Medicare, is the joint federalstate program that two-thirds of nursing home residents currently rely on to pay some of their long-term care expenses. But to qualify for Medicaid, you must have limited income and assets, and although Medicaid generally covers nursing home care, it provides only limited coverage for home health care in certain states.

5. Should I buy long-term care insurance?

Like other types of insurance, long-term care insurance protects you against a specific financial risk--in this case, the chance that longterm care will cost more than you can afford. In exchange for your premium payments, the insurance company promises to cover part of your future long-term care costs. Long-term care insurance can help you preserve your assets and guarantee that you’ll have access to a range of care options. However, it can be expensive, so before you purchase a policy, make sure you can afford the premiums both now and in the future.

•

Benefit amount: The daily benefit amount is the maximum your policy will pay for your care each day, and generally ranges from $50 to $350.

• Benefit period: The length of time your policy will pay benefits (e.g., 2 years, 4 years, lifetime).

• Elimination period: The number of days you must pay for your own care before the policy begins paying benefits (e.g., 20 days, 90 days).

• Types of facilities included: Many policies cover care in a variety of settings including your own home, assisted living facilities, adult day care centers, and nursing homes.

• Inflation protection: With inflation protection, your benefit will increase by a certain percentage each year. It’s an optional feature available at additional cost, but having it will enable your coverage to keep pace with rising prices.

Your insurance agent or a financial professional can help you compare long-term care insurance policies and answer any questions you may have.

Deductions for Long-Term Care Insurance Premiums: 2013 & 2014 Age

2013 Limit

2014 Limit

40 or under

$360

$370

41-50

$680

$700

51-60

$1,360

$1,400

61-70

$3,640

$3,720

70+

$4,550

$4,660

This information, developed by an independent third party, has been obtained from sources considered to be reliable, but Raymond James Financial Services, Inc. does not guarantee that the foregoing material is accurate or complete.

This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. This information is not intended as a solicitation or an offer to buy or sell any security referred to herein. Investments mentioned may not be suitable for all investors. The material is general in nature. Past performance may not be indicative of future results. Raymond James Financial Services, Inc. does not provide advice on tax, legal or mortgage issues. These matters should be discussed with the appropriate professional.

Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC, an independent broker/dealer, and are not insured by FDIC, NCUA or any other government agency, are not deposits or obligations of the financial institution, are not guaranteed by the financial institution, and are subject to risks, including the possible loss of principal. Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.

December 3, 2014..................................................................Volume XII Issue 23.............................................................................. Tricia’s Trader 8

December 3, 2014..................................................................Volume XII Issue 23.............................................................................. Tricia’s Trader 9

AG INTEREST SERIES: MARKETS Spectrum Commodities 800-888-9843

SC

S p e c t r u m

C o m m o d i t i e s

P u t t i n g T h e P o w e r o f I n f o r m a t i o n I n Yo u r H a n d s

All grain markets were higher as hedge funds continued to cover short positions, early November 26, 2014 This Week winter weather threatened young wheat plants Kansas City Wheat 6.21 in the US, and quality problems threatened the Argentine wheat crop. Wheat had a strong Minneapolis Wheat 5.98 rally despite choppy price action, as traders Chicago Wheat 5.62 watched extreme cold temps move into the Corn 3.78 central plains where there was little, if any, Soybeans 10.47 snow cover to protect plants that had not hardened off yet. In the Midwest, soft red Soybean Meal 401.6 winter wheat was at risk as well, with much of Soybean Oil 33.48 that crop planted late and poorly established Live Cattle 168.97 before the cold arrived. Rains on mature wheat Feeder Cattle 230.70 in Argentina are also threatening quality in what is normally a reliable producer of good Sugar 16.12 milling wheat.

Crude Oil 73.61 Soybeans were stronger as traders watched Heating Oil 2.33 the Brazilian plantings get off to a slow start and also on ferocious demand from China Unleaded Gas 2.0075 that never seems to end. Corn was supported Natural Gas 4.33 by both the wheat and soy rallies, but also Silver 16.55 on the prospect of reduced production from Gold 1197.70 South America. Late soybean plantings there will mean a late harvest, pushing the second US $ 87.70 planting of the season (usually corn) past the Canadian $ 0.8893 ideal time window and likely reducing acreage Euro 1.2508 across much of Brazil and Argentina.

The cattle complex was lower with feeders Dow Jones 17811 leading the way down. Cash fed markets have held short steady at record All grain markets were higher as hedge funds continued to cover positions, earlyhighs, winterbut retail demand has been sluggish forward contracting forand thequality Christmas holiday appears to be slower weather threatenedand young wheat plants in the US, problems threatened the Argentine wheatthan normal. The latest report October higher than extreme expected slaughter a little lower crop.cattle-on-feed Wheat had a strong rallyshowed despite choppy priceplacements action, as traders watched coldand temps than expected. Traders were already suggesting that slaughter numbers for the first move quarter of next year intobetheclose central whereand there wasthat little,might if any,extend snow cover protect plants that hadasnot hardened off weights are will toplains last year now intotothe second quarter well.

Slaughter yet. In the Midwest,highs, soft redmaking winter wheat was at risk as well, with much to of that crop planted latehigh and beef prices when already at record the market wary of its ability maintain record poorly established beforebe themoving cold arrived.

Rains on mature wheat in Argentina are also threatening quality production will finally ahead of year ago figures. normally a reliablecontinued producer ofin good milling in what is Energy markets their longwheat. term downtrend, in response to the huge increase in domestic production and also as OPEC talks of maintaining their own production levels and accepting lower prices. The stock market inchedasinto new recordthe highs on the prospect having more disposable Soybeans were stronger traders watched Brazilian plantings get of offconsumers to a slow start and also income, in large part because of never cheaper gas prices. steadily improving economy, on ferocious demand from China that seems to end.

CornAwas supported by both theUS wheat and soy in contrast to China, and a host of other countries keeping a steady of plantings foreign investments coming rallies,the butEU, also Russia on the prospect of reduced production fromisSouth America.

Late flow soybean there to will the mean US, awhich in turn also helps to support dollar, works to further late harvest, pushing the second planting the of the seasonwhich (usually corn) past the idealdepress time crude oil prices.

Currencies and metals were generally quiet, and most markets are expected to move into a low volume, window reducing across much of Brazil and Argentina. quiet tradeandaslikely we head intoacreage the holidays.

Change from Last Week 0.35 0.27 0.25 0.15 0.43 31.20 0.97 -1.85 -6.40 0.25 -0.89 -0.0112 -0.0150 -0.18 0.26 3.80 -0.01 0.0079 -0.0039 154

The cattle complex was lower with feeders leading the way down. Cash fed markets have held steady at record highs, but retail demand has been sluggish and forward contracting for the Christmas holiday appears to be slower than normal. The latest cattle-on-feed report showed October placements Prewett ~Youra little lower than expected. Traders were already suggesting that higher than Interiors expected and slaughter slaughter numbers for the first quarter Home Store~"We sell of next year will be close to last year and now that might extend into the second quarter as well. Slaughter weights are already at record highs, making the market wary of its Awesome stuff!".

Decor ability to maintain record high beef prices when production will finally be moving ahead of year ago & figures.

Gifts, too. (406)228-

9844, 41prewett.int@ Energy markets continued in their long term downtrend, in response to the huge increase in nemont.net41, First St. N., domestic production and also as OPEC talks of maintaining their own production levels and accepting Glasgow, MT Hours: lower prices.

The59230. stock market inched into new record highs on the prospect of consumers having more disposable income, in large11-I:1-I part because of cheaper gas prices. A steadily improving US economy, in M-F 8:30-5:30. contrast to China, the EU, Russia and a host of other countries is keeping a steady flow of foreign investments coming to the US, which in turn also helps to support the dollar, which works to further

Winter is Coming! Thinking of that boat you'll be picking up come Spring may help fend off the winter time blues. Buy now-Pick it up in the spring. Call about rebates and sale prices on "in-stock" boats. Mon-Dak Marine, Inc,. Hwy 2 Glasgow MT. 406-228-2900. 11-I:1-I

For Sale: 2014 crop - 400 big round grass bales, mesh wrapped, $35.00 ea. 2013 same crop - 200 bales, $25.00 ea. 100 bales wheat straw from 2013, $15.00 ea. Contact Rodger at 406-747-3360. 12-I

December 3, 2014..................................................................Volume XII Issue 23............................................................................Tricia’s Trader 10

Come to Western Styles Salon in Malta for hair, nails and tanning. We carry Iso, Matrix, Hempz, Paul Mitchell, Kenra, tea tree, Crew, Joico, and China Glaze products. 406-654-2072. 12-I

Pawn/Swap: The Swap Shop, 121 Anaconda St., Wolf Point, Mt. A Pawn Broker with a great variety of items: kitchen tables, guns, games, hand and power tools, T.V.'s and more.

Stop in and check out our selection. 406-653-1410. 11-II

For Sale: Whispering Winds: A History of the Big Flat 750 page hardcover book celebrating Turner, Montana’s centennial.

Get your copy today for only $100. Visit www. turnermontana.us or call Edward Snider at 406-353-2934. x

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 11

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 12

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Grass Hay For Sale: 200 ton of 4x4x8 square bales, (approx.

2000lbs each), 100 ton of round bales (approx. 1300lbs each), $150/ton or best offer located near Chester, MT ~ delivery available. Please phone 406-262-4155. 11-II

For Sale: Two steel buildings, 40x50 and 60x80. Leave name and phone number.

(406)222-5535.

10-II:4-II

Hickel Water Well Drilling: Free Estimates, Wells Drilled & Cleaned, Pump Sales & Service. Call 406-383-4363 (h) or 390-6254 (c). 11-II Now Buying All Kinds of Raw Fur. Skinned or unskinned. Coyotes-Red Fox--Badgers-Raccoons--Muskrats-Bobcats.

Thunder Mountain Fur Co., Larry DiLulo. 12610 Paradise Valley Rd., Chinook, MT (406) 357-2894.

11-I:1-I

The Glass Shop in Malta has Multi-Fuel Stoves for sale. Burn wheat, barley, wood pellets, shelled corn and other biomass fuels. Call 406-654-1720 or 406654-2784 evenings. 11-I:1-I

Feeling Stressed? Want to get Energized for the Holidays?

Try Foot Zoning! Call Ashley at The Healing Path to learn more... 406-390-0163. 11-I:1-I

Attention Attention! Come see Avon at The Holiday Village Mall in Havre, Nov 22nd, 10-6pm.

11-II Are you a Quilter? Love Sewing? Get 0% interest for 36 mos. on all BERNINA purchases of $3,000 or more made with your BERNINA credit card. Equal monthly payments required. Nov. 20Dec. 31, 2014. See store for details. Bearly Square Quilting, 417 First St., Havre, Mt. (406) 265-4424 bearlysquare@ havremt.net.

12-I

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Volume

NOVEMBER-DECEMBER

Holiday Festivities

For Sal round ba old. Cal 2211 or mtintouc

Dec. 3, Wed: CHESTER Christmas Stroll, 4-7:30, Christmas Village @ Liberty Village Arts Center, Santa’s workshop, drawing for chamber bucks, soup and pieby-the-slice @ the 406-759-4848 November 29,senior Fri.center.

Chinook Parade of Lights, Christmas

Stroll andMALTA Festival of Trees, Arts and Dec. 4, Thu.: Festival of Trees,CHINOOK. Phillips County Museum, 6:30crafts, p.m. food, pictures with Santa, hayrides and music. 406-3574201. Visit www.chinookmontana.com.

Dec. 4, Thu.: PLENTYWOOD. Holiday Remembrance Service-Civic Center

Dec. 5-7, Fri.-Sun: Choteau County Country Christmas--BIG SANDY, FORT BENTON, GERALDINE, HIGHWOOD, LOMA, and VIRGELLE. Phone: 406November 29, Fri. Parade of Lights GREAT FALLS. 378-3110, or visit www.virgellemontana.com for a complete schedule.

C &

Parade begins 6th Christmas Street and 406Dec. 5, Fri: GREATon FALLS StrollCentral with arts, Avenue. crafts, and food vendors.

406-761-4434.

453-6151 Dec. 5, Fri: St. Matthews Christmas Bazaar, 4-8 p.m. SIDNEY. Arts and crafts, November direct sellers. 29, Fri. Christmas Stroll LEWISTOWN,

Christmas Parade, food and Santa arrives!

406- day.

Dec. 6, Sat: CHOTEAU Bright booths Eyes Christmas Stroll and Bake Sale-All Chamber Christmas Stroll and free movie @ Roxie Theatre, 2-4 p.m.

(The Grinch) 535-5436 Dec. 6, Sat: SIDNEY, St. Matthews Christmas Bazaar, 10 a.m. to 4 p.m.

November 30, Sat. Glasgow Christmas Stroll, GLASGOW. Welcome Santa to town at noon.

Dec. 6-7, Sat.-Sun: “A Real Country at a Real Country Store”, Concessions available.

Many Christmas group activities available.

VIRGELLE, 9 a.m-5 p.m.

406-228-2222 Dec. 6, Sat: PLENTYWOOD Christmas Stroll.

For Sale: Used oilfield pipe, rods, cable & guard rail.

New HDPE pipe. Engineered bridges for pivots, vehicles, walking & ATV. Clips & post caps. Toll free- 866-683-7299 or 406-453-7299 Big Sky Pipe And Supply, Great Falls.

Call Today and Ask for our free catalog. Visit Us Online http://bigskypipeandsupply. com/html/ 9-II:12-I

Dec. 6-7, Sat.-Sun: WinterFest Craft Show, Havre Holiday Village Mall, HAVRE.

November Sat. Community Lighting,Festival, HAVRE Dec. 7th, Sun:30, RUDYARD Commercial Tree Club Christmas Noon-4.

Catholic Youth Center.

Chili and hot dogs, Vendors with crafts and great gift ideas!

Town Square. Visit from Santa, caroling food vendors Free will offering. and prizes. 406-265-4383

Designed by Montana Grafix - w

Dec. 7, Sun: Choteau County Performing Arts Christmas Concert 3 p.m. FORT BENTON Elementary School Auditorium. Tickets are 15.00.

November 30, Sat. North Pole Adventure LEWISTOWN.

Dec. 7, Sun: PLENTYWOOD Strollto andsee Parade of Lights followed by A fun filled trip to the Christmas North Pole Santa, Christmas Lutheran Youth Chili Feed.

carols, games. Tickets are $25 per person. Train boards 30 minutes before departure. 406-535-5436

Dec. 10, Wed: HARLEM Christmas Stroll and Stew Supper. 4 to 7 p.m.

Dec. 13, Sat: PLENTYWOOD. Free movie and visit with Santa. Orpheum Theatre.

1December p.m.

1, Sun. Chouteau County Country Christmas, Dec. Mon: PLENTYWOOD LutheranBENTON. Church Christmas Cantata.

BIG15,SANDY, LOMA, FORT Many varied

For Sale: 2014 alfalfa grass mix hay, 500 tons, 12-13 protien with 20-30% alfalfa, hay. Located in Bowman, $80/ton. Truck loads only and trucking available at $5/ loaded mile. Call 406-3662577 for more details. 12-I

crafts and HARLEM food will be available the Dec. 21, Sun: Community Meal at 1for p.m.purchase.

Turkey with allJoin the trimmings.

Snowflake Run. 406-378-2418

December 1, Sun. Choteau Christmas Stroll, CHOTEAU, morning ‘til evening hometown Christmas stroll. Jingle Bell Fun Run, shopping specials, fire truck rides with Santa, wagon rides, free movie for the kids at Roxy Theatre, vendors, children’s art activities, tree lighting ceremony and much more. 406-466-5642 For Sale: INDIAN BLANKETS & ARTWORK Sweetgrass ~ Sage ~ Furs Buckskin ~ Saddles USA Old Timer Knives Knife/Scissor Sharpening, Custom Framing, Big Sky Images & Collectibles Havre Holiday Village Mall ~~~~~(406)399-6522~~~~~

December 4, Wed. Chester Christmas Stroll, CHESTER Downtown Chester from 4-7pm. All downtown businesses will be open. Food vendors and crafters on site. See Santa! 406-759-4848

For Sale: 2003 Bobcat Sale: '05 Buick 753 G skidsteer. hrs,of For December 5, Thu.1100 Festival Trees MALTA. “Christmas LeSabre LTD, 77k mi. new tires, diesel engine, Carols” Displays viewable at Phillips County Museum. aux. hyds, deluxe opeartor $8,250. Inquire at American 406-654-1037 cab. Nice clean machine! Garage, 406-357-4201. 12-I 406-228-9479.

11-I:1-I

Speedy' -N- Mor in town at 406-3 1979 (

For S 8ft wid carrier; 6ft angl Honda e Ford Tru tires, au heavy bu single 75 winch.

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 15

Fix It: If you have dents or need a new paint job, we can make your vehicle look like new. Come see us at Hi-Line Collision Repair Center, 740 2nd. Ave S. Glasgow, MT or call 406-228-2433. 11-II Home for sale: One-level living for $39,500, north Havre, Mt! Cozy 2-bedroom house. Carport & fenced yard. Water $50/month on shared well. City sewer. Call Kim Cripps at Havre Hi-Line Realty (406) 265-0905. 11-II

Read Tricia’s Trader online.

Now faster load times, and live links! www.

TriciasTrader.com.

12-II

Have you ever sworn an oath to uphold the U.S. Constitution?

Check out www.OathKeepers.org . 11-x

The next issue wil be distributed Wed., Dec. 17, 2014.

EARLY Ad DEADLINE is Wed., Dec. 10th at 9am.

2000 Country Club Road * Turner, MT 59542XII Issue 23............................................................................ Tricia’s Trader 16 December 3, 2014..................................................................Volume PUBLISHED BY: Phone 800-756-1817 Tricia’s Trader SERVES THESE MONTANA TOWNS: Email: adsales@triciastrader.com Town: Prefix(es): Joplin 292 www.TriciasTrader.com Inverness 292 FAX: 888-796-8498 Rudyard 355 “TRICIA’S TRADER” IS

LLC

EASTERN REGION: Jamie Jones is happy to help you if you live in one of these counties: VALLEY PHILLIPS DANIELS ROOSEVELT SHERIDAN RICHLAND Jamie Jones 800-756-1817 x104 406-390-6386 (c) Email: east@triciastrader.com

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Contact one of our to place an advertisement, or contact Kimmel Kreations directly at the address above.

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HILL BLAINE

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SOCIAL MEDIA & ONLINE AD OPTIMIZATION: Amy Skryja 800-756-1817 x103 406-450-2588 (c) Email: west@triciastrader.com

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Hingham Gildford Kremlin Fort Benton Loma Big Sandy Havre

397 376 372 621, 622 739 378 262, 265, 407, 808, 945, 969, 390, 394, 395, 398, 399 Chinook 357 Harlem 353 Fort Belknap 353 Turner 379 Zortman 673 Roy 464 Dodson 383 Malta 301, 654, 658, 680 Loring 674 Whitewater 674 Saco 527 Hinsdale 364, 648 Glasgow 228, 230, 263, 367, 831 Nashua 746 Fort Peck 526 Wolf Point 392, 525, 650, 653, 915 Opheim 762 Plentywood 765 Scobey 487, 783 Medicine Lake 789 Froid 766 Culbertson 514, 787, 790 Poplar 768 Brockton 786 Jordan 557, 977 Lewistown 350, 366, 380, 535, 538, 707, 708, 968 Grass Range 428, 928 Hobson 423 Stanford 566 Chester 759 Geraldine 737 Denton 567 Belt 277 Great Falls 205, 216, 217, 231, 268, 403, 452, 453, 454, 455, 564, 590, 715, 727, 731, 750, 760, 761, 770, 771, 781, 788, 791, 799, 836, 866, 868, 870, 899, 923, 952, 964, 965, 997 ALL MONTANA AREA CODES ARE (406)

PUBLISHER’S COMMENTS:

The publisher does not assume any responsibility for the contents of any advertising herein, and all representations or warranties made in such advertising are those of the advertisers and not the publisher.

Every effort is made by Kimmel Kreations, LLC to never knowingly accept advertising that is deceptive or misleading. We reserve the right to edit, refuse, reject or cancel any advertisement at any time.

The publisher is not liable to any advertiser herein for any misprints in advertising not the fault of the publisher, and in such an event, the limit of the publisher’s liability shall be the amount of the publisher’s charge for such advertising.

All advertising for the sale, rental, financing, insurance and appraisal of residential real estate are subject to the Federal Fair Housing Act, which makes it illegal to advertise any preference, limitation, or discrimination based on race, color, religion, sex, handicap, family status, or national origin, or an intention to make any such preference, limitation or discrimination. Kimmel Kreations, LLC will not knowingly accept any advertising which is in violation of this law.

All advertising layouts and designs and portions of the same that are produced by Kimmel Kreations, LLC are the sole property of Kimmel Kreations, LLC and may not be reproduced in any form unless written authorization is obtained from the publisher.

“Tricia’s Trader” is published bi-monthly by Kimmel Kreations, LLC, 2000 Country Club Road, Turner, MT 59542. Copies of “Tricia’s Trader” are distributed free to the reader in public locations, and by subscription service for a minimal charge to those requesting mailing service. All material copyright 2003-2015.

NOTICE: The opinions and ideas expressed in articles and advertisements in ‘Tricia’s Trader’ are those of the author or advertiser and do not necessarily reflect the opinion of the publisher, Kimmel Kreations, LLC. Material in articles or advertisements should be considered general reading and should not be construed as professional advice. All information should be carefully researched by the reader, and the reader assumes all responsibilty and risks associated with any action taken based upon information in an advertisement or article.

ADVERTISING RATES:

The cost for a classified advertisement, up to 8 lines is $10 per 2 issues, and $1 per line over 8 lines for a MAXIMUM ad length of 13 lines. Add $5 per 2 issues for a box outline, and/or $5 per 2 issues for bold text other than the heading. The following specials apply for multiple classified ads: Place 3 classifieds or more in the same issue and get a 15% discount. Or run the same classified ad in every issue for a year for $100 (includes 4 issues free), or for six months for $50 (includes 2 issues free).

Pictures/graphics may only be included in display ads.

To place a classified, just fill out the form on this page and mail it to: Tricia’s Trader, 2000 Country Club Road, Turner, MT 59542. Or complete the form online at www.triciastrader.com.

Please contact your Advertiser’s Advocate listed above to inquire about display advertising or to request a current rate chart. Display ads can be any dimension in 2” wide increments up to 10” wide by 10” high (full page). Display ad design is available for $5 per full design or edit. Ask your Ad Rep about design fee waivers, specials, and package rates. Your Advocate can work with you to develop a marketing strategy that’s effective, and determine the size and design that you need to get the most out of your advertising budget for your unique situation.

Call the Advocate for your Region today!

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 17

For Sale: 2012 Subaru Forester 2.5X Premium, 31K, factory warranty, heated seats, panoramic power moon roof, $20,975.

Call (406)357-2311.

12-I

Olympics Joke

It’s 2012 and it’s the Olympics in London .

A Scotsman, an Englishman and an Irishman want to get in, but they haven’t got tickets.

The Scotsman picks up a manhole-cover, tucks it under his arm and walks to the gate. “McTavish, Scotland,” he says, “Discus,” and in he walks.

The Englishman picks up a length of scaffolding and slings it over his shoulder. “Waddington-Smythe, England,” he says, “Pole vault,” and in he walks.

The Irishman looks around, picks up a roll of barbed wire and tucks it under his arm. “O’Malley, Ireland,” he says: “Fencing.”

The Closet at 174 S. 1st Ave Malta: A great place to shop for a great deal. We carry new and consignment items.

New inventory added daily!

Open Tues-Fri 10am-5:30pm & Sat. 10am-3pm. 11-I:1-I

For Sale: Horses: Paints & Quarter horses, all ages, large & beautiful colors, several palomino paints, palomino Sale: Two cords For Sale: 400 tons of fresh grass stud, many on website: For firewood, cut but not split. hay in 3x4x8 square bales. $100/ 4cspainthorses.com. South Wolf Call 406-379-2343.

11-II ton. Call (406) 670-6551. 11-II Point. 406-525-3455 7-I:12-II

December 3, 2014..................................................................Volume XII Issue 23............................................................................Tricia’s Trader 18

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 19

CASA: Struggling to Find the Village to Raise the Child by: Ali Everts

Certified Weed Free Grass Straw For Sale: 4x4x8 sq. bales (apprx. 1,450lbs. ea.), erosion control, mulch, animal bedding, compost, bale wind breaks, filler feed ration, etc. $70/ton or BO, near Chester. Delivery avail., 406-262-4155. 11-II

If you are at least 21, breathing and compassionate, CASA will take you. Court Appointed Special Advocate, called CASA is a program started to give children in the courts a voice. CASA of Montana’s mission statement is to support and promote court appointed volunteer advocacy for abused and neglected children so they can thrive in safe, permanent homes.

There are currently 15 CASA organizations around the state. Kari Hould is the director of the Prairie CASA division, which provides volunteer advocates that listen and meet with the children of Blaine, Phillips and Valley counties, who may need a person to represent them in the court rooms. And she is on the hunt for volunteers.

“We have a shortage of volunteers and funds,” Hould said. “By law we need one volunteer for every two children on a case.”

This standard has been extremely hard for Prairie CASA to meet, Hould said. She said it is also frustrating because a volunteer would only need to go through training and dedicate about eight hours a week to a child in need. A duty that seems small in the midst of a place where children need voices.

“Prairie CASA covers three of the largest counties in Montana,” Hould said. “And we have more than 50 cases open.”

However, even with this large number of cases, there are only about seven volunteers who make up the whole Prairie division. If they do not have enough volunteers by January, the CASA organization might loose their national status. Worst case, they could be shut down entirely.

To become a volunteer, one must complete a 30-hour training over a three-week period. Half of the hours are online and the other half is face to face, walking through a typical procedure. The final test will be a court trial, to see if one will buckle under the pressure.

“It is not for the weak-hearted,” Hould said.

After becoming an official volunteer the job takes about eight to ten hours a month for each child. This helps keep track of them and file reports. Some kids go to other states for treatments, some stay in state. So, it may require a phone call or a trip out to the home.

“We do not remove the child or replace them from the home; that is Family Services,” Hould said. “The job of the volunteer is to find out what is the best situation for the child, and speak up about this to the court.”

Volunteering takes a person who will be able to communicate well with a child and be a stable individual whom that child knows they can trust and talk to.

“Child abuse can hide in the mountains and the plains,” Hould said. “But we are either part of the problem or part of the solution. Do we want to help these kids or sit back?”

To learn more about Prairie CASA or to get involved in volunteering call director, Kari Hould at her office in Malta, Montana, at 406-390-3552.

Kirkwood Funeral Home 654-1132

Serving Northern MT from Malta

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 20

Date Sale info.

Wed. SHIPWHEEL CATTLE Dec. 10 2 Year Old Black Angus Bulls 1 pm at the Clear Creek Ranch Chinook, MT 406-357-2492 www.ShipwheelCattle.com

Travel the Annual Christmas Trail to Loma, Dec.6&7, 10am-4pm.

Stop, browse at Trash&Treasure Shop decorated for Christmas!

One-Room School House, Old Chappel Depot, filled w/ treasures of yesterday/ today. Hwy. 87, 4th Ave. 11-II DND Quacker Store: 227 S. 2nd Ave. E., Malta. Taking consignments and donations.

Yard sale stuff left over? Call us; we can help! All fall decor, Avon decanters, figurines, picture frames, kitchen glassware and lamps are all 50% off. Call 6544752 or 654-7100. 11-I:1-I

Thu. Feb. 12 1 pm

WITTKOPP ANGUS at Glasgow Stockyards Glasgow, MT Home 406-485-3552, Cell 974-3552

Private Treaty

FUNK ANGUS RANCH Yearling Angus Bulls 18mi NE, Frazer, MT Gary & Roxann Funk 406-392-5777

Private J-E RANCH Polled/Horned Herefords Treaty Plentywood, MT

Arvid Eggen 406-895-2657

or Jay-De Eggen 406-671-7149 jbare@nemont.net

Gift packs: Available at JR's Party Store just in time for the holiday season. We are located at 98 Highway 2 East (across from John Deere) in Glasgow or call 406-228-4622. 12-I

Robin's Roost now open in Malta. Located between the Lucky Bullet and Moore's Printing. Fashions for the curvy girl! We carry sizes small to 3XL. 11-II

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 21

Gift Certificates from Blades hair, nail and day spa is a perfect gift for anyone. So pamper your loved ones and come see us at 4 S. 1st St. W. in Malta 654-5585 11-I:1-I

Paying CASH: For scrap Gold jewelry, Silver coins, and Sterling flatware. Havre Coin Shop & More 406390-1761 or 390-1055. 11-II

Guitars of Montana: Band & Orchestra Rentals/Sales - American Guild, Gretsch, Jackson guitars. Bluegrass.

Ukuleles. BOSS effects. Special orders welcome. We ship! #2 5th St. S., downtown Great Falls, (406) 453-4998; or call Bing at (406) 566-2223. www. guitarsofmontana.com. 10-I:3-I New Listing! 307 4th St. W., Chinook, MT~$60,000. Large shop with attached 2 bedroom, 1 bath living quarters. Could easily be converted into a duplex. Call Ken Nelson @ 406439-0595, Flynn Realty. 12-I Best Resting Inn & Extended Stay: "We're not the Fanciest, We're the Friendliest." 5001 River Dr. N., Gt Falls, MT. 406-268-8333. x

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 22

Spare Change: Open 7 days a week through the holidays.

Get your holiday wrap, ribbon, bows and bags here. Come see the selection. 154 1st. Ave. E., Malta or call 654-1717. 12-I

SATURDAYS OPEN 9:00-2:00 thru 12/25 Dec. 4th, 8:30-7:00

15th ANNIVERSARY PARTY & SANTA CASH PACK STORE

Food * Fun * Giveaways

CHRISTMAS EVE OPEN 8:30-3:00 BLOW OUT CARPET SALE!!!

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 23

DAVE SAYS:

Who Is Dave Ramsey?

Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers – The Total Money Makeover, Financial Peace Revisited and More Than Enough.

In them, Ramsey exemplifies his life’s work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others. * Dave Ramsey is America’s trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership and Smart Money Smart Kids. His newest best-seller, Smart Money Smart Kids, was written with his daughter Rachel Cruze, and recently debuted at #1. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

DEAR DAVE,

My husband and I are following your plan, and we’re trying to reconcile our on-paper budget with what’s going on in our bank account. Most of our bills are due the first half of the month, but we receive most of our income during the second half of the month. Can you help us figure out what to do?

~Kathy Dear Kathy,

If you’re actually making a budget and sticking to it, what you’re describing is a cash flow bind. You are in charge of your budget until it’s on paper. Once it’s on paper, it has to accurately represent reality. In your reality, that means a cash flow strain on the first checks and extra money on the second checks.

You won’t be able to fix this in just one month, but there is a long-term solution. Move some of the money from your second checks into the first half of the next month. By doing this, you’ll start running from the fifteenth to the fifteenth instead of from the first to the first. It will help you stay ahead and avoid getting pinched.

The second part of this equation is that you are in charge of your budget. The budget does not become the boss of you until you get it done. When everything is written and agreed on by you and your husband, that’s when the budget becomes the boss. You can’t come home with a new shirt or a new purse and hope it fits into the plan. The budget has to be the plumb line by which you build your finances straight and true! ~Dave DEAR DAVE,

My husband and I both work two jobs. Together we make about $53,000 a year, and we’re trying to get out of debt. We have $35,000 in debt, and most of that is on our truck. I’d like to go back to school and become an ultrasound technician, so we’ll have more money. Do you think this is a good idea?

~Sarah Dear Sarah,

Getting more education is always a good idea. For starters, I’d begin doing some research to find out what ultrasound technicians in your area are earning. Then, look into the cost of training at a nearby school.

But I would only recommend starting school after you guys have done some work and cleaned up your finances. You’ve got a bunch of debt hanging over your heads, and the truck you mentioned is a big part of the problem.

Sell the truck and move down to something very inexpensive to drive for a little while. Then tear into the remainder of the debt and get it paid off as fast as you can. After that, save up a bunch of money so you can go to school debt-free.

I know that may seem like a long time before you can start school, but chances are you can get this done in less than two years. And trust me, going to school debt-free will feel a whole lot better than having another bunch of payments buzzing around your heads for years to come! ~Dave

December 3, 2014..................................................................Volume XII Issue 23............................................................................Tricia’s Trader 24

Send the perfect gift: Made in Montana Gift Baskets from Prairie Unique, Terry, MT 59349.

Ph 406-6355598 Open Since 1995.

Mon-Sat 8:30- 5:30. www. prairieunique-mt.com 11-I:1-I

NEW Management, New attitude, New displays! Come in and enjoy the environment.

Leon’s Buy & Sell, 720 First St., West, Havre. 11-II Traegar grills on sale for the first time ever! 10% off accessories or pellets with purchase of a new grill. Rebates are ending soon, so stop in to Ezzies Locations in Havre, Harlem, Malta and Glasgow. 11-I:1-I For Sale: 140 Acres near Harlem, MT, $360,000. Flood irrigated hay ground, large 4 bdrm, 2 ½ bath MH with ¾ bsmt & detached shop/ garage. Call Ken Nelson @ 406-439-0595.

11-II

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 25

Ramblings of a Conservative Cow Doctor

by Krayton Kerns, DVM, State Rep. HD 58

Mind Neutrality

Writing a single column blending personal experiences, current events, political lessons and the holiday season is challenging, but I did it. Today’s words may seem more disjointed than usual, but trust me, I will tie it together at the end.

When I was nine or ten, my father taught me how to operate the cutting torch and arc welder; a lesson he later regretted. The shop and the machinery bone-pile instantly became my personal portal to adventure and after a couple years of inventing there wasn’t a single piece of metal I hadn’t welded to something else. It was great growing up a country kid where your entertainment was limited only by your creativity. I am happy to report those days still exist as recently demonstrated by my oldest granddaughter, Clara.

Clara has developed a keen interest in wilderness survival after viewing several Netflix episodes of “Man, Woman, Wild.” Her personal library is filled with books on make-shift shelters, edible species and fire kindling using unconventional tools. Her mother began to question Clara’s survival obsession last September, when all she wanted for her eleventh birthday were water purification tablets and a magnesium fire-starter stick; presents she did receive. A few weeks later her father granted permission for Clara and her sister, Mae, to try out the new magnesium stick down at their homemade

fort.

They were struggling with combustion when Olaf, the family cat, slipped into their fort carrying a mouse.

A brilliant thought sparked through Clara’s mind, “If we get the fire going we can cook the mouse for dinner.”

Fortunately, Olaf dropped his mouse which sprang to life and escaped into the field thereby necessitating a change of dinner plans.

Clara explained her story to the family around the dinner table later that evening. At first her mom was speechless, but she eventually gathered herself enough to declare, “Under no circumstances will any member of this family cook or eat mice!” For a redneck, she runs a pretty tight ship. This brings me to my political point.

The adolescent mind is loaded with imagination and ambition which can either be stimulated or snuffed.

The ruling class prefers the later course so as to create a dependency class excelling at submission. To accomplish this the ruling class uses the educational slot and the electronic vortex; methodologies I will explain.

First the slot: The government school system places students in 50 minute time slots; molds in which students possessing excessive ambition and creativity simply do not fit. Ritalin is like WD-40 for the mind and once these students are lubricated with this amphetamine they can be wedged into the required slot. With chemical solutions a mere swallow away, nearly every student sails through the education system with neither complaint nor significance. This hurts America.

The second threat to creativity, the electronic vortex, is even more dangerous than the slot because it is everywhere. Nothing destroys imagination centers faster than does the instant gratification produced by an I-Pad or smart phone. Engaging only enough neurons to touch a screen, students are instantly rewarded with brilliant colors and sounds thus mesmerizing youngsters into a vegetative state. When coupled with self-esteem training, government is able to create generations of mind numbed robots only capable of performing menial tasks all while thinking they are special. Welcome to the progressive utopia and here is why this subject is timely.

Supporters of President Obama’s Net Neutrality proposal explain the resultant internet tax will generate an additional $1.5 billion for the “E-Rate fund” for school libraries and “Lifeline” internet services for the poor; thus fueling the electronic vortex. “It’s for the children,” is their stereotypical battle cry, yet the money actually harms the very children it claims to help.

Therefore, in this season of giving thanks to God almighty, I am thankful I grew up a country kid too far from town for television and decades before the mind-numbing, portable electronic vortex. I’m thankful God granted my father the patience to let me burn through piles of welding rods and tanks of acetylene.

I am thankful to see ingenuity, creativity and ambition appear in my descendants, because theirs will be the generation who will restore the constitutional republic my generation let slip through our fingers.

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 26

For Sale: 1958 F500 tandem diesel grain truck, 40k mi. Overhauled tranny, new batt. & water pump.

Call 406-357-4201.

12-I

In line with our company mission to help small Montana businesses succeed...

Help Wanted classifieds are now FREE! (Must be legitimate wage/salary based jobs. No MLM, looking for business partners, etc.)

Contact Tricia’s Trader to search for your next employee.

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 27

For Sale: RARE KNIVES Large Selection RUANA CASE XX ~ SCHRADE Hard - to - find USA-made Old Timer & Uncle Henry Knife/Scissor Sharpening Big Sky Images & Collectibles Havre Holiday Village Mall ~~~~~(406)399-6522~~~~~

11-I:1-I FREE CLASSIFIEDS are back! We wanted them back as much as you did! ONE FREE CLASSIFIED AD PER ISSUE per household for Items for Sale, Wanted, Garage Sales, Help Wanted etc. Will run for two issues. Business listings, auto dealers, services provided, land/housing, and all other categories may still advertise for the low rate of $10 per 2 issues. Call 800756-1817 for details! x Malta area: Many things are happening in Malta over the Holiday Season! Stores will be open on Sundays 11am-3pm starting Nov.28th 'til Christmas.

Many late night openings for Christmas shopping. Watch the Malta Chamber ad for complete schedule. 11-I:1-I

***Senior Center Menus*** LITTLE ROCKIES RETIREMENT CENTER (HARLEM)

Applesauce, Cookies or Bars December 27 Fried Chicken, Oven-Baked Jo-Jo Potatoes, Fruited

Jello Salad, Creamed Frozen Peas, Chocolate Cake

December 1 Potato Soup, Funeral Buns, Salad & Cookies December 2 Leftover meatballs & Gravy or Swiss Steak, Mashed

Potatoes, Green Beans December 3 Pork chops, mashed Potatoes, Gravy, Buns, peas, jello

salad, birthday cake & ice cream December 4 Liver & onions, boiled potatoes & gravy, buns, corn,

coleslaw, canned peaches December 5 Leftover pepperoni hotdish, buns, buttered beets,

lettuce salad, bars December 6 Sweet & Sour pork over rice, California blend

Vegetables, Buns, Tossed Salad, Canned Pears,

December 29 Cabbage Roll Hotdish, Buns, Apple Salad, Lemon Bars December 30 Tomato Soup, Grilled Cheese Sandwiches, Tossed

Salad, Rice Krispie Bars December 31 Roast Pork with Applesauce on the Side, Mashed

Potatoes & Gravy, Green Beans, Buns, Cole Slaw,

Apple Crisp

Across from Albertsons Served Monday - Saturday at 12 noon

December 8 Chicken Legs & Wings, Tater tots, Fruit Salad, Buns,

Banana Pudding December 9 Cheesy Broccoli Soup, Turkey Sandwich, Tossed

Salad, Rice Krispie December 10 Hamburger-Tomato-Macaroni Casserole, Buns, Cole

Slaw, Ice Cream Sundaes December 11 Waffles, Sausage Patties, Scrambled Eggs, Fruit December 12 Fish Fillets, Macaroni & Cheese, Buns, Buttered

Carrots, Assorted Desserts December 13 Beef Fajitas, Bean Salad, Canned Pears December 15 Ham & Noodle Casserole, Buttered Frozen Mixed

Vegetables, Buns, Canned Apricots, Cookies December 16 Chili, Crackers, Cornbread, Relish Tray, Peach Cobbler December 17 Christmas Meal: Roast Turkey, Dressing, Mashed

Potatoes & Gravy, Candied Sweet Potatoes,

Cranberries, Quick Jello Salad, Buns, Green

Beans, Apple Pie December 18 Leftovers from yesterday’s Christmas Meal December 19 Shrimp, Hash Browns, Frozen Peas, Buns, Carrot &

Raisin Salad, Pudding December 20 Meat Loaf, Scalloped Potatoes, Tossed Salad, Buns,

Corn, Carrot Cake December 21 COMMUNITY MEAL: Swiss Steak with Mushroom

Gravy, Mashed Potatoes, Buns, Buttered Carrots,

Cole Slaw, Blueberry Cheesecake December 22 Sloppy Joes, Tossed Salad, Corn, Brownies December 23 Vegetable Beef Soup, Cold Cuts on Bread, Canned Peaches December 24 Lasagna, Buns, Green Beans, Tossed Salad, Canned Apricots December 25 Christmas Day--NO MEAL December 26 Sausage Gravy on Biscuits, Lettuce Salad,

RUDYARD-GILDFORD AREA

*Rudyard Senior Center Served Monday thru Friday at 11:30am *Gildford Community Church Served Monday/Wednesday/Friday

December 1 Potato Soup, Egg salad sandwich December 2 French Toast, scrambled eggs December 3 Lasagna, Green Beans, Garlic toast December 4 Chef salad December 5 BBQ Chicken, Macaroni Salad December 8 Patty melt, French fries, salad December 9 Chicken Pot Pie December 10 Salmon Patties, Rice Pilaf December 11 Hot pork sandwich, mashed potato December 12 Chili, Garlic cheese muffins December 15 Sweet & Sour Pork with Rice December 16 Indian Tacos December 17 Chicken Tater Tot Casserole December 18 Grilled Cheese, Tomato Soup December 19 CHRISTMAS PARTY: Turkey, Stuffing, mashed

potato,pumpkin pie December 22 Beef barley soup, roll December 23 Goulash, garlic toast December 24 Meatloaf, baked potato December 25 MERRY CHRISTMAS--CLOSED December 26 GILDFORD CLOSED-Salmon, Broccoli Casserole December 29 Baked Chicken, Stuffing, peas December 30 Pork Stew, Roll **All menus subject to change without prior notice. Published once/mo.

Want your town’s Senior Meals to be posted? Email them to Amy at west@ triciastrader.com.

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 28

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 29

Wanted: Good condition New Holland Hay Inverter, Model 166 or similar. Wanted for parts: Case International 5000 Swather w/ double auger header. Leave msg at 406-654-5253. 10-I:3-II

Promises: 578 Living Water Ct., Malta. Many distinctive gifts available. Real flame fire places, soda makers, and more. Come on in and check out all your options. 6542380 open 7am-6pm 12-I

Come into All Seasons Home Center @729 2nd Ave S., Glasgow, with your measurements for your additions, pole barns, and your garage packages and see how we can accommodate you.

Call 406-228-8288. 11-I:1-I

December 3, 2014..................................................................Volume XII Issue 23............................................................................Tricia’s Trader 30

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 31

Feeling Stressed? Want to get Energized for the Holidays?

Try Foot Zoning! Call Ashley R& G Quality Feeds: at The Healing Path to learn Manufacturer, Starter, growth, more. 406-390-0163.

11-II creep, bull, heifer, fattening, wintering rations. Chelated, 3 sizes pellets, steamroll and dryroll. Also avail., soy bean oil to add extra energy to rations, use our grain or yours.

Protein tubs in 22% or 28% (all-natural, no animal byproducts). Amberwave hopper bins dealer. 406-654-1530. Loc at 515 S 1st. E Malta. 11-II

For Sale: Alfalfa-Grass Pizzas, sandwiches, hay, round bales 1500306-267-5711 or appetizers, and refreshments! 1600#.

11-I:12-I Stop by Stretch's in Malta 306-267-4548. to enjoy the atmosphere and arcade. Our banquet room is available for any occasion.

140 S. 1st Street E. in Malta or call 406-654-1229. 11-I:1-I

Tia Love, Cosmetologist @ Polish To Perfection, 139 S.2nd. St. E., Malta. One stop for Hair, Eyelash extensions, fills, tinting, perming, eyebrow tinting and waxing services.

Call 654-2799 or 3901216 or schedule at www.

SCHEDULICITY.com. 11-I:1-I Durable, long lasting bale beds, flatbeds, bale handlers, carry-alls. Call Smith's Repair at 954-2564, your local Krogmann dealer, located in Roy and Malta. Manufacturing the best in quality since 1989. 11-I:1-I

December 3, 2014..................................................................Volume XII Issue 23............................................................................ Tricia’s Trader 32

ing

Sell

75

December 10th, 2014

1:00 p.m. At the Clear Creek Ranch

Shipwheel ForeFront 3591

LOT #21

4 an 208 P4 67 x Holm 5 0 t n ro ForeF Shipwheel CED

BW

WW

YW

SC

Milk

MB

REA

+11

-.2

+62

+114

+1.31

+28

+.59

+.51

• Recommended for heifers or cows.

• Impressive, medium framed, high performing, gentle herd bull.

• He packs excellent feet, a big scrotal, along with an outcross pedigree. We have used him as a clean-up bull on yearling heifers and will continue to use him in our program.

• Dam has been and outstanding cow for us. She raised a top selling Far & Wide son in 2012. Bob Math selected her $20,000, 2nd high selling Upward son last year. An awesome S Chisum 255 heifer calf was just weaned from 8184. She is on her way to be flushed at Milk River Genetics this winter.

• Grandam is an extremely deep ribbed, easy fl eshing, nice uddered, gentle cow that is still in production. Her dandy 77P son sells as Lot 63.

Shipwheel Packer 3505

LOT #3

• Recommended for cows.

• A top performing standout that packs excellent feet, loads of muscle shape, and body capacity.

• We have used him natural service and will continue to use this herd bull in our program.

• Dam is a gentle, embryo, Far & Wide daughter with extra length of body and a nice udder.

• Pathfinder, Herd Bull producing grandam served as a donor for us.

CED

BW

WW

YW

SC

Milk

MB

REA

+1

+2.9

+54

+102

+1.21

+28

+.55

+.48

ABOUT THE BULLS

40 Bred Heifers

¤ Only the top 50% will be offered for sale. ¤ Developed on a growing ration at home to insure soundness and longevity, not fattened. ¤ Put more trust in these older, more mature bulls to do the job. ¤ Tested for Pfizer 50K, Performance, Fertility. ¤ Volume Discounts & Sight unseen purchase guarantee.

Packer x Far & W ide

¤ Free Delivery in MT and adjoining states. ¤ No Creep and no hoof trimming. ¤ Fully Guaranteed for first breeding season.

Klint & Lori Swanson

2265 Gooseberry Ln - Chinook, MT 59523 406-357-2492 Phone 406-357-2298 Fax

www.ShipwheelCattle.com

Email: shipwheelcattle@itstriangle.com